WEBVTT FORORDERS PLACED ONLINE BY 6:00P.M. LOCALTIME FRIDAY.BRIAN: IF YOU BOUGHT SOMETHINGTHIS HOLIDAY SEASON CHANCESARE 50/50 YOUWERE ABLE TO USETHE NEW CHIP CREDIT CARD YOUHAD IN YOUR WALLET.NEXT YEAR THE ODDS OF USING ITWILL PROBABLY BE HIGHER.2016 WAS SUPPOSED TO BETHEYEAR ALMOST ALL OF OURPURCHASES WERE GOING TO BEMADE WITH CHIP CREDIT CARDS.>> IN HINDSIGHT THEYMAY HAVEBEEN A LITTLE OVEROPTIMISTICABOUT HOW LONG IT WAS GOING TOTAKE.BRIAN: MORERETAILERS STARTEDACCEPTING CHIP CARDS IN 2016BUT MORE THAN HALF OF ALLSTORES HAVE YET TOEVENINSTALL THE CHIP TERMINALS.>> THERE'S A BIT OF A CHICKENAND EGG THING GOING ON.THERE'S NOT AWHEEL LOT OFRUSH TO PUT OUT THESE CARDSUNTIL THE TERMINALS AREAVAILABLE, BUT WHY PUT OUT THETERMINALS UNTIL THE CREDITCARDS ARE AVAILABLE.BRIAN: BUTAS MORE CHIP CARDSARE ISSUED, CONSUMERS WILLDEMAND IT TAKE ADVANTAGE OFTHE EXTRA PROTECTION THEYOFFER.>>AT LEAST BY THE END.YEAR, ABOUT THREE-FOURTHS OFAMERICAN CREDIT CARDS WILLHAVECHIPS ON THEM.BRIAN: CHIP CARDS HAVE PROVENTOBE MORE SECURE FORIN-PERSON TRANSACTIONS.>> BUT WHAT IT'S DONE AND WHATWAS FULLY EXPECTEDIS THATIT'S SHIFTED MORE FRAUD ONLINEAND IT'S ALSOCAUSED BY GUYSTO MOVE TO OTHER LOWER HANGINGFRUIT SUCH AS GAS STATIONS.BRIAN: GAS STATIONS WERESUPPOSED TO SWITCH TO CHIPTERMINALS BY THE END MUCH 2017BUT RECENTLY VISA ANDMASTERCARD GAVE THEM ANOTHERTHREE YEARSTO MAKE THATSWITCH.>> WE'RE GOING TO HAVE ANOTHERSEVERAL YEARS MUCH BAD GUYSTARGETING GASSTATIONS WITHTHINGS LIKE SKIMMERS.BRIAN:SKIMMERS.UGLY WORD.WHENEVER YOU USE A CREDIT CARDREADER TAKE FEW EXTRA SECONDS

More retailers started accepting chip cards in 2016, but more than half of all stores have yet to install chip terminals. As 8 On Your Side consumer reporter Brian Roche explains, chip cards have proven to be more secure -- and more stores will soon be equipped to handle them.